SBI SimplyCLICK Credit Card
A budget-friendly online shopping card that rewards you with 10X points at partners such as BookMyShow, Cleartrip, Myntra and Apollo 24X7, and 5X at Amazon. With a low fee and an Amazon voucher on signup, it's an easy first card for digital shoppers.
Why it ranks
- Very low annual fee, waived on Rs.1 lakh spend
- Strong reward rate for online shopping
- Welcome Amazon voucher covers the joining fee
- Easy approval for new-to-credit applicants
What holds it back
- No lounge access
- Offline reward rate is minimal
- High forex markup for overseas spends
Advertiser disclosure: we may be paid if you apply through our links. Ratings are editorial. Confirm today's terms on the issuer's site — offers change.
A budget-friendly online shopping card that rewards you with 10X points at partners such as BookMyShow, Cleartrip, Myntra and Apollo 24X7, and 5X at Amazon. With a low fee and an Amazon voucher on signup, it's an easy first card for digital shoppers.
SBI SimplyCLICK Credit Card at a glance
| Issuer | SBI Card |
| Card network | Visa |
| Annual fee | ₹499 |
| Welcome bonus | ₹500 Amazon voucher, sent within 21 days after the ₹499 annual fee is paid |
| Rewards rate | Around 2.5% on partners, 1% on other online spends |
| Intro APR | N/A |
| Regular APR | 3.75% a month (45% a year), per SBI Card's key fact statement |
| Foreign transaction fee | 3.5% markup on foreign currency transactions |
| Credit needed | Fair to Good |
| Best for | First-time cardholders who mostly shop online |
| Airport lounge access | No |
Rewards & benefits
- 10X Reward Points at Apollo 24X7, BookMyShow, Cleartrip, Dominos, IGP, Myntra, Netmeds and Yatra (April 2025 partner list); Amazon earns 5X
- 5X Reward Points on all other online spends
- 1X Reward Point per Rs.150 on offline spends
- ₹500 Amazon voucher after the ₹499 annual fee is paid
- ₹2,000 e-voucher (Cleartrip or Yatra) at ₹1 lakh and another at ₹2 lakh of annual online spend
Eligibility & who it suits
- Indian resident aged 21 to 60
- CIBIL score of 700 or above recommended
- Salaried or self-employed with a steady income
- Valid PAN and KYC documents
How to apply
Check current rates on SBI Card’s official site →
This opens the issuer’s official application page in a new tab. We may earn a commission if you are approved — it never changes the terms you receive.
Rates, fees, welcome offers and benefits are provided for general information, can change at any time, and may not reflect current terms. Always confirm the latest details on the issuer’s official site before applying. This is not financial advice.
How it ranks against similar India cards
| Rank | Card | Annual fee | Rewards | Welcome offer | Foreign fee | Who qualifies | Score |
|---|---|---|---|---|---|---|---|
| 1 | SSBI CardSBI SimplyCLICK₹499/yr · IN SBI SimplyCLICK Credit CardFirst-time cardholders who mostly shop online |
₹499/yr | Around 2.5% on partners, 1% on other online spends | ₹500 Amazon voucher, sent within 21 days after the ₹499 annu… | 3.5% markup on foreign cur… | Fair to Good | |
| 2 | IICICI BankAmazon PayNo annual fee · IN Amazon Pay ICICI Bank Credit CardAmazon regulars who want a free everyday cashback card |
None | 5% Amazon (Prime), 3% (non-Prime), 1% elsewhere | Amazon Pay balance offer on activation (varies) | 1.99% markup on foreign cu… | Invite-only; ICICI lists age 21+… | |
| 3 | AAxis BankACE₹499/yr · IN Axis Bank ACE Credit CardAnyone who wants high cashback on bills and everyday spends |
₹499/yr | 5% on bills via Google Pay, 4% on Swiggy, Zomato and Ola (₹500 shared cap per st… | No fixed welcome bonus; value comes from ongoing cashback | 3.5% markup on foreign cur… | Good | |
| 4 | SSBI CardCashback SBI₹999/yr · IN Cashback SBI CardOnline shoppers who want simple, automatic cashback |
₹999/yr | 5% online (up to ₹2,000 a cycle), 1% offline (up to ₹2,000 a cycle), from 1 Apri… | No fixed welcome bonus; annual fee waived on Rs.2 lakh spend | 3.5% markup on foreign cur… | Good |
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